Public Bank Quantum MasterCard credit card

Also available as Visa

Public Bank Quantum MasterCard

Have no annual fees for life and get more spending benefits out of your credit card such as 5% cashback, 0% EPP and VIP Points!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 5% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 2x reward points 

Enjoy up to 5% Cashback on Online & Dining Transactions

Get complimentary RM200 Touch 'n Go Card with you new Public Bank Quantum MasterCard

RinggitPlus will help you all the way! No wait for call, no paper form to fill in, just a simple chat.

Start Application

View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Don't forget to flash your Quantum MasterCard when the waiter issues the bill to you as you can get 5% cashback on dining. And this cashback applies to online transactions too!
Discover how much you can save when you shop with your new Public Bank Quantum MasterCard
Cashback CategoryCashback RateMonthly CapSpend
Online ShoppingSpendany amount5%RM30any amount
DiningSpendany amount5%RM30any amount
Pay more and earn more as every Ringgit you spent with the Quantum MasterCard, you are actually rewarding yourself a 1 VIP Point.
VIP Points
1 point on every RM1local retail transactions
2 points on every RM1overseas retail transactions
Your VIP Points earned expires in  3 years
Balance Transfer
Take advantage of savings and flexibility when you transfer your outstanding credit card debts to Public Bank credit card to benefit from low one-time upfront interest starting from 0%.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.5% one-time upfront handling feefrom RM500 
6 months0% p.a. and 0% one-time upfront handling feefrom RM2000 
12 months0% p.a. and 3% one-time upfront handling feefrom RM1000 
24 months0% p.a. and 5% one-time upfront handling feefrom RM3000 
36 months0% p.a. and 7% one-time upfront handling feefrom RM6000 
Learn more about Public Bank Balance Transfer
Easy Payment Plan (EPP)
Exclusive for Quantum MasterCard cardholders, you are entitled to a flexi-payment offer that will give you 0% interest for 12 months. You only need to spend a minimum of RM1,200.
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feefrom RM500 
6 months0% one-time upfront handling feefrom RM1500 
9 months2% one-time upfront handling feefrom RM2000 
12 months3% one-time upfront handling feefrom RM1000 
24 months5% one-time upfront handling feefrom RM2000 
36 months7% one-time upfront handling feefrom RM3000 
Learn more about Public Bank Flexipay Plan
Get a complimentary Public Bank Quantum Visa credit card when you sign up for this credit card - because two is better than one!

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
  • Free for life for supplementary card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
MasterCard PayPass

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
Public Bank Flexipay Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Balance Transfer
Public Bank Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Public Bank Quantum MasterCard review

What's so good (or not so good) about it?

Shopping and dining are two most celebrated activities in life. You can do both while taking advantage of cashback and rewards with Public Bank Quantum MasterCard credit card.

No Annual Fee

You must be thinking that there is a catch, right? But no! There is absolutely no hidden motive behind it. Both principal and supplementary cardmembers can equally enjoy a free-for-a-lifetime card usage without any conditions.

Say bye-bye to credit cards which charge you steep annual fee and turn to Public Bank Quantum MasterCard to get more for your money.

Double Quantum Cards

More good news for those wishing to sign up for Public Bank Quantum MasterCard today as you will get a complimentary Public Bank Quantum Visa credit card upon approval. Isn't two is better than one?

Dining and Online Shopping Cashback

Do you know that you can enjoy significant savings on your spending through cash rebate, which is like a sort of a refund in small percentage credited back into your credit card. All you need to do is spend, spend and spend!

If Dining and Online Shopping are your two biggest forte (which make up 90% of your spending habit), then Public Bank Quantum MasterCard is the right choice for these indulgences. For every Ringgit spent on these categories, you earn 5% cashback, capped at RM30 per month.

VIP Points

Cashback alone is not enough to deem a credit card's uniqueness. That's why Quantum MasterCard steps up its game with cashback and reward points features so that you can reap the benefits of this plastic card.

It's easy to collect VIP Points: For every Ringgit spent on local retail transaction, you earn 1 VIP Point, whereas 2 VIP Points will be rewarded for RM1 spent overseas. Put simply, RM3,000-worth of spending gets you 3,000 VIP Points.

0% Flexipay for 12 months

Free up your monthly expenses with a flexible instalment plan that charges you zero interest on your conversion amount. Exclusively for Public Bank Quantum MasterCard credit cardholders, you get to enjoy a 0% one-time upfront interest for a 12-month flexi payment plan.

Just make a minimum transaction of RM1,200, then call Customer Service at +603 21768000 (or write to 3 days after the purchase or 5 days before settlement date) to convert the amount to Public Bank Flexipay Plan.

24/7 Help Desk

If your credit card is stolen, tampered with or broken, there is a dedicated, round-the-clock Help Desk who is ready to assist you for any credit card-related emergencies. Just dial +603 21768333.

Read More